“Tell me I’m not the only one who’s made a promise to get ahead this year… only to find myself scrambling at the very last minute?

Year-end planning: 1Me: 0

Let’s be honest—forecasting feels overwhelming for a reason. It’s hard to sit down with your numbers and make predictions when there’s so much going on.

 

• • The holidays are here.

• • There are end-of-year sales to push through.

• • You’re juggling client work and trying to squeeze in some family time.

So what happens? Forecasting falls to the very bottom of your to-do list…until the clock is ticking, and you’re making last-minute guesses on your numbers.

Sound familiar?

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Here’s the thing

You’re not alone. So many business owners avoid forecasting because it feels like:

 

• • Too much pressure to “get it right.”

• • A mountain of spreadsheets that only leave you more confused.

• • Another task on an already-overwhelming to-do list.

But what if I told you it doesn’t have to be that way? Forecasting isn’t about perfection—it’s about giving yourself peace of mind going into the new year. It’s not just about setting rigid goals. It’s about having a game plan that shows you exactly where to focus, so you don’t have to scramble every month wondering if you’re on track.

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You don’t have to do it all today. Just start where you are.

Here’s a simple way to ease into forecasting (without the overwhelm):

 

1. 1. Check your total revenue so far. How close are you to hitting your yearly goal?

1. 1. List your must-pay expenses for the next 3 months. This will give you a quick snapshot of what you’ll need to cover.

1. 1. Review your cash reserves. If a slow month hits, will you be prepared?

That’s it. Start small—and build from there. The good news? You don’t have to do it alone. I help business owners just like you take control of their finances with easy, stress-free forecasting.

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If you’re tired of the year-end scramble and ready to feel in control of your numbers heading into the new year, let’s talk. A little planning now can save you a lot of stress later.

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“If the thought of financial planning before the new year feels overwhelming, start here: Review these 3 key numbers before anything else.”

Let’s be real—financial planning can feel like a lot, especially with everything that’s going on this time of year. You’ve got sales to push through, clients to manage, and personal responsibilities piling up. Add year-end planning to the mix, and suddenly it’s like, “I’ll just…deal with this later.” 

Sound familiar?

Here’s the thing: You don’t need to overhaul your entire financial plan overnight. In fact, trying to do too much at once is exactly what leads to that feeling of overwhelm. The key is to start small—just focus on the numbers that matter most to your business right now.

If you’re not sure where to begin, I’ve got you covered. Review these 3 key numbers before anything else to give yourself clarity and peace of mind heading into the new year:

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1. Year-to-Date Revenue

First, take a look at how much you’ve earned so far this year. Ask yourself:

 

• • Are you where you thought you’d be?

• • How close are you to hitting your annual goal?

• • Did you have any unexpected revenue streams or slow periods that you didn’t account for?

This number gives you a clear snapshot of where you stand—and helps you decide if you need to push a little harder before year-end, or if you can coast through the holidays without stress.

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2. Upcoming Expenses for Q1

Now, take a peek at the expenses you know are coming up in the first 3 months of the new year. Think about things like:

 

• • Payroll

• • Software subscriptions

• • Vendor payments or supplier orders

• • Any big projects or investments you’ve committed to

Knowing these numbers now will give you a head start. You’ll be able to prepare in advance (and avoid those oops, I forgot that was due moments).

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3. Cash Reserves

Finally, check in with your cash reserves—how much cash do you have set aside? Ask yourself:

 

• • Do you have enough to cover your Q1 expenses if a slow month happens?

• • Are there any cash flow gaps that might come up?

• • Can you move some money into savings or a tax fund to give yourself more breathing room?

Your cash reserves are your safety net. Knowing where you stand here will make it easier to plan without the constant worry of “What if I run out of money?”

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One Step at a Time

That’s it. You don’t need to map out every single number today—just start with these 3. Taking stock of your revenue, expenses, and cash reserves will give you a solid foundation to build on.

And remember: Financial planning isn’t about perfection—it’s about getting clarity so you can stop guessing and start feeling in control.

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Feeling Stuck? I Can Help.

If you’ve been avoiding financial planning because it feels like too much, you’re not alone—and you don’t have to do it all by yourself. I help business owners create simple, stress-free forecasts that actually work.

Let’s chat and make sure your numbers are working for you, not against you—so you can head into the new year feeling confident, not overwhelmed.

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